What if investing were a part of your everyday life?

Prepare your projects and profit from tax deductions!

Taking care of your finances means taking care of your future.
It absolutely has to be a top priority.

But you have to have - and take - the time to think about it.

Looking after your finances goes far beyond merely managing your daily expenses well. Reflecting on your future projects, anticipating them to try to realise them - that’s the real challenge.

We know that you’re busy, and that you aren’t necessarily aware of all the options available for financing your projects, so we’d like to help you.

Take advantage of the finance meeting Highlight

Take a moment to invest in your future

If you’re thinking about your future, perhaps the desire to prepare for retirement, buy real estate or secure your children’s financial future resonates with you?

Did you know that for all these goals, there are savings and investment solutions that can also offer you tax deductions on your Luxembourg income tax return?

Preparing for your retirement

It is important to give this some thought early and to choose a solution that will ensure your comfort and financial security after you finish working. Investing for this purpose will also allow you to take advantage of the tax deductions reserved for retirement investments: €3,200 to be deducted annualy per taxpayer from your taxable amount when you file your income tax return.

Are you a freelancer or self-employed professional?
In addition to the above solution, you can also take advantage of a supplementary pension scheme to boost your future pension. And deduct up to 20% of your annual professional income for tax purposes.

Preparing to buy a property

For many, buying a property is a dream come true – but it also represents a substantial investment that requires you to plan ahead. Saving risk-free for your construction, purchasing or renovation projects can also enable you to take advantage of tax deductions totalling annualy €672* or €1,344* (depending on the age of the subscriber) on your income tax return – applicable per person within your tax household.

Preparing for your children's future

Ensuring their financial well-being is a priority. Investing with this aim can not only support them with their first steps into working life, their studies, their travels or the purchase of their future home; it can also help you reduce your tax burden. 672* to be deducted annually per person in your household.

* The deduction ceiling for home savings contributions of €672 / €1,344 applies separately and does not overlap with the ceiling of €672 applicable to all insurance premiums, debit interest (excluding debit interest related to the acquisition/construction of a real estate property), and contributions to recognized mutual benefit societies.

Tax benefits apply to policies with a minimum term of 10 years, depend on the situation of the individual taxpayer and are subject to change.

A meeting dedicated to your finances

To make life easier for you, we are offering you a unique opportunity to take stock of your personal finances at our “finances meeting”: with the help of a BIL Relationship Manager, you can discuss your savings and investment needs and discover the solutions that may suit your financial perspective.

Take advantage of the finance meeting

Investing exposes you to a risk of capital loss

The benefits of our
“finances meeting”

No commitment

It’s up to you whether or not you choose the solutions presented to you.

Bespoke

You are unique and so are your needs. So our “finances meeting” is tailored to your situation.

Discussion with a professional

A BIL Relationship Manager specialising in personal finance will give you guidance and answer all your questions, presenting you with the various savings and investment opportunities to suit your needs and financial capacity. A rare occasion for you to talk things over in complete confidence.

Extensive range

Depending on your situation, your needs and your investor profile, you’ll have access to a wide range of savings and investment solutions: savings accounts, products with guaranteed interest rates, investment funds, investment advice or global management of your assets. It includes solutions that can also entitle you to tax deductions on your Luxembourg income tax return.

Take advantage of the finance meeting